Contractors All Risks (CAR)

Protects the policyholder (contractor) against claims arising from their negligence in their duty of contract within a larger overall contract. i.e. a small contractor is taken on to provide the cement mixture for a new building’s foundations before the main structure is erected.  If the contractor’s cement is not of sufficient quality or production is delayed then the consequential contract costs can be very expensive.

Cover is also provided to protect the contractors own tools and hired machinery from damage or theft in their course of carrying out the contracted work.

JCT 21.2.1 – Property Developers Contingency

An extension to CAR cover that provides protection against alleged damage to neighbouring property. It is most relevant to work where a contractor is involved in excavation and underpinning.